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Posted on 9/4/25 at 8:24 am to bayoubengals88
quote:
appreciate your perspective. Is this merely additional income for you? A hobby?
It sounds like income.
quote:
ETA: right now if you just had just a thousand shares of Nebius (65k), you could make $1,200 on weeklies at .29 delta.
1,200/65,000=0.0185
Wow. Will need to take a look at that!
This post was edited on 9/4/25 at 8:26 am
Posted on 9/4/25 at 8:26 am to lynxcat
quote:
Is this a typo? $50K a month? You want $600K in spending annually?!
I’m with you lynx. I’d probably be fine living closer to $50K annually.
Posted on 9/4/25 at 8:56 am to Suntiger
The question is how much do you want. I need much less, but we do a lot of charity. I'd like to be able to really help my girls and grandchildren (have 2 with another on the way) and continue build generational wealth that my family has never had.
I'd be perfectly fine with $20-25k/month and probably less. But I like to have at least two of everything I need and twice as much money as I think I need. That's just my nature. It's not greed, it's security. I always overdo it.
I'd be perfectly fine with $20-25k/month and probably less. But I like to have at least two of everything I need and twice as much money as I think I need. That's just my nature. It's not greed, it's security. I always overdo it.
Posted on 9/4/25 at 9:31 am to bayoubengals88
quote:
I appreciate your perspective. Is this merely additional income for you? A hobby?
I use the income from it to build my portfolio. I do take some out for vacations etc...
quote:
ETA: right now if you just had just a thousand shares of Nebius (65k), you could make $1,200 on weeklies at .29 delta.
1,200/65,000=0.0185
1.85% weekly
Now that's something I would be interested in.
Posted on 9/4/25 at 12:29 pm to Suntiger
quote:
I’m with you lynx. I’d probably be fine living closer to $50K annually.
I would find it difficult to intentionally spend $50K every month. It would need to require first class tickets with lots of lavish travel, a love of expensive wine, and probably a ranch that is a cash pit.
Posted on 9/4/25 at 12:34 pm to lynxcat
Posted on 9/4/25 at 12:34 pm to haikarate
Will draw 4% starting year 5 (lump sum severance for 1st 5 years) of retirement and blessed to live better (slightly) lifestyle than we did last year working before retiring.
Posted on 9/4/25 at 12:40 pm to Ace Midnight
Depletion strategy resting on certain passive income to follow.
Any pensions, annuities, or SS “guarantees”’in that math?
Any pensions, annuities, or SS “guarantees”’in that math?
Posted on 9/4/25 at 12:47 pm to Tmcgin
quote:
Don't take your mortgage into retirement I don't care of its 2.5%
Why? Peace of mind is expensive and would have prevented me from retiring at 54yo.
Have 2.8% mortgage and equivalent money invested making 11% return. Plenty of Benjamin Graham “cushion” should market go south for sustained period. Could pay it off same week.
Plan is to carry the 9+% spread to death and beyond.
Peace of mind came from earning greater returns that created a nest egg that we cannot outlive (with conservative probabilities applied). Blessed.
Using others’ money was 9th wonder of world, right behind compounded interest from years of positive spread.
This post was edited on 9/4/25 at 12:48 pm
Posted on 9/4/25 at 1:15 pm to haikarate
Living on $10k/m in early retirement carrying a mortgage. Have part time job that just funds Roth IRAs. Need to shift away from an accumulation mind set and start drawing on retirement and other investments. Trying to kick start spending w some home improvements. Got here by being frugal now it's time to shift mindset. Would be great to double monthly to $20k but also need to do Roth conversions and prefer to pay those taxes from LTCG in zero bracket.
Still have 25+ years before RMDs but more concerned about widow's penalty if we wait to act.
Still have 25+ years before RMDs but more concerned about widow's penalty if we wait to act.
Posted on 9/4/25 at 4:18 pm to haikarate
About $4k in SS and her pension.
Estimating about $1.5M in 401k, so that’s about $50k, or $4k with 4-5% withdrawal rate, after taxes.
$8k per month with no bills, and about $300k in cash. I can live with that. Hell that’s more than I take home now.
Not rich, and never will be.
Estimating about $1.5M in 401k, so that’s about $50k, or $4k with 4-5% withdrawal rate, after taxes.
$8k per month with no bills, and about $300k in cash. I can live with that. Hell that’s more than I take home now.
Not rich, and never will be.
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